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Fort Bragg FCU Visa Credit Card
Fort Bragg FCU Visa Credit Card
- 13.65% to 17.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.65% to 17.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 13.65% to 17.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Fort Bragg FCU Visa is a low APR credit union credit card for members of the U.S. Armed forces, those living in and around Fort Bragg, North Carolina, and other eligible members of Fort Bragg Federal Credit Union. The card features a great variable APR for those with excellent credit scores, and no annual fee – or fees for balance transfers or cash advances.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Great low APR
- No hidden charges
- Regular Purchase APR: 13.65% to 17.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.65% to 17.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 13.65% to 17.00% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: Up to 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $29
- You're an active or retired member of the United States military
- You're more interested in an excellent APR than rewards
- You don’t want to pay an annual fee
Safe 1 Credit Union Mastercard Platinum Rewards Card
Safe 1 Credit Union Mastercard Platinum Rewards Card
- 14.75% to 21.75% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.75% to 21.75% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.75% to 21.75% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Safe 1 Mastercard Platinum Rewards Card offers several features that make it stand out from many competitors. It provides cardholders many of the same benefits as the regular Platinum credit card, cardholders can earn points for every purchase and redeem those for merchandise or travel vouchers. Keep reading for more information on this credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% intro APR for 12 months on purchases and cash advances
- Earn 1 point for ever $1 you spend with your credit card
- No balance transfer fees
- Regular Purchase APR: 14.75% to 21.75% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.75% to 21.75% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 14.75% to 21.75% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
- Penalty APR: 27.50%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $15
- Return Payment Penalty Fee: $25
- You want a credit card that earns rewards points
- You don’t want to pay an annual fee
- You don’t want to pay balance transfer fees
Golden 1 Member Rate Advantage Visa® Card
Golden 1 Member Rate Advantage Visa® Card
- 13.04% to 19.04% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.04% to 19.04% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 13.04% to 19.04% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
A low-rate card that empowers you to pay down balances faster or to consolidate debt from other cards- that’s what you’ll find with the Golden 1 Member Rate Advantage Visa® Card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Our Lowest Rates
- No Balance Transfer Fees
- Regular Purchase APR: 13.04% to 19.04% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.04% to 19.04% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 13.04% to 19.04% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 2.5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $25
- You want to pay for large purchases over time
- You need to pay down debt
- You're consolidating other high-rate card balances
Randolph-Brooks Premier Rate Mastercard
Randolph-Brooks Premier Rate Mastercard
- 11.95% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 11.95% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 11.95% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Randolph-Brooks Premier Rate Credit Card is designed for those that want an exceptionally low APR for conducting balance transfers, paying down existing credit card balances, or making purchases and spreading the cost over time. The card features a typical APR of around 10% for those with excellent credit, as well as 0% introductory APR on cash advances and balance transfers for the first 12 months. The card also features no annual fees or foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Excellent low APR
- No foreign transaction fees
- 0% introductory APR for 12 months from account opening
- Regular Purchase APR: 11.95% to 18.00% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 11.95% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 11.95% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Up to 2% of the amount of each cash advance
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $24
- You live in either Austin, Corpus Christi, Dallas, or San Antonio
- You want an exceptional APR
- You don’t want to pay an annual fee
Greylock Federal Credit Union Explore Rewards Card
Greylock Federal Credit Union Explore Rewards Card
- See Terms Regular Purchase APR
- See Terms Balance Transfer APR
- See Terms Cash Advance APR
- See Terms Intro Purchase APR
At a Glance
The Greylock Federal Credit Union Explore Rewards credit card isn’t the most competitive card available but it’s a low APR rewards card ideal for Greylock customers wanting to earn (modest) rewards for their purchases. Cardholders will earn 1X points per dollar on all purchases and enjoy 0% intro APR with no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Introductory purchase APR of 0% for the first six months of account opening
- Earn 1 reward point for every $1 spent
- Rewards can be redeemed for gifts, travel, and cash rewards
- Intro Purchase APR: See Terms
- Regular Purchase APR: See Terms
- Intro Balance Transfer APR: See Terms
- Balance Transfer APR: See Terms
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater (maximum $25)
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $27
- Return Payment Penalty Fee: Up to $27
- You want credit card rewards but also a low APR
- You're a low spender who primarily uses cash or a debit card
- You have good – but not excellent – credit
- You are a current Greylock customer
SchoolsFirst FCU Inspire Mastercard Credit Card
SchoolsFirst FCU Inspire Mastercard Credit Card
- 13.75% to 17.90% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.75% to 17.90% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 17.90% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
SchoolsFirst FCU Inspire Mastercard Credit Card is a no-nonsense, low rate credit card that provides an exceptional APR on purchases, balance transfers, and cash advances. The card also boasts a 0% intro APR offer, no balance transfer fees, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Enjoy a 0% introductory interest rate on purchases and balance transfers for 6 months from account opening date
- Get your credit score and customized credit reports for free from SavvyMoney
- Skin your December billing cycle payment without affecting your credit score
- Enjoy Priceless Cities benefits exclusive to Mastercard cardholders
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 13.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 13.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 17.90% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.90%
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $20
- You prefer an exceptional, competitive APR
- You plan on financing a significant purchase
- You want to pay down an existing balance
- You do't want to pay an annual fee
Childrens Miracle Network Business Visa Platinum
Childrens Miracle Network Business Visa Platinum
- 9.80% to 12.25% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 9.80% to 12.25% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 9.80% to 12.25% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Children’s Miracle Network Business Visa Platinum Card from CAMPUS USA Credit Union is a charitable business credit card that offers far more than regular donations. Part of every transaction is donated to the Children’s Miracle Network, with over $2 million donated to date through the business and personal versions of this card. The card also offers an impressively low fixed APR, no fees for balance transfers or cash advances, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No balance transfer of cash advance fees
- Help the Childre's Miracle Network with every transactio
- Regular Purchase APR: 9.80% to 12.25% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 9.80% to 12.25% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 9.80% to 12.25% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.99%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $25
- You want a business card that gives back to a worthy cause
- You plan to carry a balance and want a card that makes that as easy as possible
- You don’t want to pay an annual fee
Childrens Miracle Network Visa Platinum
Childrens Miracle Network Visa Platinum
- 9.80% to 12.25% based on creditworthiness Regular Purchase APR
- 9.80% to 12.25% based on creditworthiness Balance Transfer APR
- 9.80% to 12.25% based on creditworthiness Cash Advance APR
At a Glance
The Children’s Miracle Network Visa Platinum Card from CAMPUS USA Credit Union is a charitable credit card that doesn’t forget that charity starts at home. Part of every transaction is donated to the Children’s Miracle Network, with over $1.5 million donated to date. The card also offers an impressively-low fixed APR, no fees for balance transfers or cash advances, and Visa protections and perks – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No balance transfer of cash advance fees
- Great low APR
- Regular Purchase APR: 9.80% to 12.25% based on creditworthiness
- Balance Transfer APR: 9.80% to 12.25% based on creditworthiness
- Cash Advance APR: 9.80% to 12.25% based on creditworthiness
- Penalty APR: 17.99%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $25
- You already bank with CAMPUS USA Credit Union
- You want to help out UF Health’s children’s hospital with every purchase you make
- You want a great, low, fixed-APR on purchases, balance transfers, and cash advances
- You do't want to pay an annual fee
CCU Platinum Visa
CCU Platinum Visa
- 14.70% to 25.70% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.70% to 25.70% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.70% to 25.70% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 365 days from account opening date Intro Purchase APR
At a Glance
The CCU Platinum Visa Card from Consumers Credit Union is a low APR card that is short on perks. While the card offers a competitive APR on purchases, balance transfers, and cash advances, it doesn’t provide any introductory bonuses or perks, nor does it refrain from applying foreign transaction fees, or fees for cash advances or balance transfers. The card does offer no annual fee, however, as well as the perks and protections you’d typically associate with a Visa card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No fees on balance transfers or cash advances
- Intro Purchase APR: 0% for 365 days from account opening date
- Regular Purchase APR: 14.70% to 25.70% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 365 days from account opening date
- Balance Transfer APR: 14.70% to 25.70% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 14.70% to 25.70% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You're already a member of Consumers Credit Union
- You want a basic card with a decent APR
- You don’t want to pay an annual fee
ASE Credit Union Share Secured Visa
ASE Credit Union Share Secured Visa
- 8.99% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 8.99% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 8.99% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
Alabama State Employees Credit Union is a leading Alabama-based credit union that offers credit cards for everyday people. The ASE Credit Union Share Secured Visa Card is a secured credit card that can help open the door to a brighter credit future with timely payments and responsible credit use.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Build credit with regular payments
- Work your way up to an unsecured ASE Credit Union Visa in as little as one year
- Regular Purchase APR: 8.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 8.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 8.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Penalty APR: 18%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. Dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $30
- Over Limit Penalty Fee: $25
- Minimum Deposit Required: $500
- You're new to credit or have a challenging credit history
- You already bank with Alabama State Employees Credit Union
- You want to earn rewards while they raise your credit score
- You do't want to pay an annual fee
You've viewed 5 of 149 credit cards
What is a Credit Union?
A credit union is a financial cooperative that is owned and operated by its members. It is designed to provide a range of financial services, including savings and checking accounts, loans, and other financial products.
Similarly, credit union credit cards are offered by credit unions, which are not-for-profit financial institutions owned by their members. These credit cards work similarly to traditional bank-issued credit cards, allowing you to make purchases and borrow money up to a certain credit limit.
How Do Credit Unions Differ from Banks?
As mentioned, credit unions are community banks and financial institutions. Here’s a detailed breakdown of how credit unions differ from traditional banks:
Ownership and Structure:
- Credit Union:Credit unions are owned by their members, the customers. Members elect a volunteer board of directors and have a say in how the credit union is run.
- Traditional Bank:Traditional banks are typically owned by shareholders and run by a paid board of directors. Customers do not have a direct ownership stake in the bank.
Profit Motive
- Credit Union:Credit unions are not-for-profit organizations. This means that any profits made are returned to members through better interest rates on savings, lower fees, and competitive loan rates.
- Traditional Bank:Traditional banks are for-profit entities that aim to maximize shareholder value. This can result in higher fees and lower interest rates for customers.
Membership and Eligibility
- Credit Union:Membership in a credit union is often based on a common bond, such as employment in a certain industry, living in a specific area, or belonging to a particular organization. However, many credit unions have expanded their membership criteria to be more inclusive.
- Traditional Bank:Traditional banks are open to the general public, and anyone can become a customer regardless of their affiliations or, in some instances, geographic location.
Services
- Credit Union:Credit unions offer a similar range of services to traditional banks, including savings and checking accounts, loans, credit cards, and other financial products. They may also have a focus on financial education and community initiatives.
- Traditional Bank:Traditional banks also provide a wide range of financial services, including investment products, wealth management services, and international banking.
Regulation
- Credit Union:Credit unions are regulated at the state or federal level, and they are often subject to oversight by the National Credit Union Administration (NCUA) in the United States.
- Traditional Bank:Traditional banks are regulated by federal and state banking regulators, such as the Federal Reserve, the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC).
It’s worth noting that while credit unions are not FDIC-insured, they are insured by the NCUA for up to $250,000, meaning credit unions are just as safe as your national bank.
Benefits Of a Credit Union Credit Card
Credit union credit cards feature many of the same benefits as credit cards from banks like Bank of America, Chase, or USAA. In addition, these cards provide quirks and perks that bigger banks can’t match:
Lower APR
One of the major benefits of credit union credit cards is that they tend to have lower interest rates compared to traditional bank-issued credit cards. This can save you money in the long run, especially if you tend to carry a balance on your credit card.
Lower Fees
In addition to lower interest rates, credit union credit cards often have lower fees. This can include annual fees, balance transfer fees, cash advance fees, and foreign transaction fees. By choosing a credit union credit card, you can avoid or minimize these fees, ultimately saving you money.
Personalized Customer Service Support
Credit unions are known for their personalized customer service. You can expect to receive the individual attention and support you deserve with a credit union credit card. Whether you have questions about your account or need assistance with a transaction, the credit union staff will be there to help.
Limitations of Credit Union Cards
Credit union cards offer significant value to many credit card consumers, especially when it comes to securing a great interest rate. However, there are some drawbacks to credit union cards as well. These drawbacks are most closely associated with the low-interest rates these community banks offer.
Fewer Card Options for Bad Credit
Credit unions tend to offer fewer credit products than larger banks, making it more difficult for those less-than-perfect credit to get accepted for a credit card. Due to their low APR rates and relatively small cash reserves, credit unions are more likely to expect an applicant to have excellent credit or at least good to very good credit.
Eligibility Requirements
Before applying for a credit union credit card, be sure to check your credit score to ensure you meet the credit requirements. Merely being a member isn’t enough. That said, sometimes joining a credit union can be tricky, so make sure you are eligible first.
Smaller Welcome Bonuses
Credit unions are member-owned, meaning you can expect the lowest possible rate on credit cards and loans. However, the members-first approach often results in smaller introductory bonuses on cards.
Longer Application Process
Because credit unions require joining the union before applying, many credit card applications take significantly longer than applications with bigger banks.
Tips for Using Your Credit Union Credit Card Wisely
Using your credit union credit card wisely can help you maximize its benefits while avoiding financial pitfalls. Here are some tips for using your card responsibly:
- Pay your balance in full each month: Aim to pay your credit card balance in full each month. This will help you avoid paying interest on your purchases and ensure you’re not accumulating unnecessary debt. By paying your balance in full, you can enjoy the convenience of a credit card without the burden of interest charges.
- Keep your credit utilization low: Credit utilization refers to the percentage of your available credit that you’re using. Keeping your credit utilization below 30% is generally recommended to maintain a good credit score. By keeping your balances low relative to your credit limit, you demonstrate responsible credit management to lenders.
- Avoid unnecessary debt: While credit cards can be convenient for making purchases, it’s important to avoid unnecessary debt. Before making a purchase, consider whether you can pay off the balance in full when the bill arrives. If not, waiting until you have the funds available may be best.
- Review your statements: Take the time to review your credit card statements regularly. This will help you identify any errors or fraudulent charges and ensure that your balances are accurate. If you notice any discrepancies, contact your credit union immediately to address the issue.
- Understand your rewards program: If your credit union credit card offers a rewards program, like CU Rewards or other group rewards plans, take the time to understand how it works. Familiarize yourself with the types of rewards offered, how they can be redeemed, and any limitations or restrictions.
Conclusion
Choosing a credit card from a credit union can offer several advantages, including potentially lower fees, competitive interest rates, and a member-focused approach to customer service. Credit unions often emphasize financial education and community involvement, which can appeal to individuals seeking a more personalized banking experience. However, it’s important to consider the potential limitations, such as membership eligibility requirements and a potentially more limited branch and ATM network compared to larger banks.
When considering a new credit union credit card, it’s essential to carefully assess its terms and features, including the interest rates, fees, rewards programs, and any additional benefits. You can make informed decisions that align with their financial needs and goals by conducting thorough research and comparing various credit union credit card options.
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